XML 62 R43.htm IDEA: XBRL DOCUMENT
v3.20.4

Loans (Tables) | 12 Months Ended
--- | ---
Dec. 31, 2020
Receivables [Abstract] |
Loan Portfolio Segments and Classes | The table below identifies the Company's loan portfolio segments and classes.
Portfolio Segment |  | Class of Financing Receivable
Commercial |  | Owner occupied real estate
|  | Non–owner occupied real estate
|  | Residential spec homes
|  | Development & spec land
|  | Commercial & industrial
Real estate |  | Residential mortgage
|  | Residential construction
Mortgage warehouse |  | Mortgage warehouse
Consumer |  | Direct installment
|  | Indirect installment
|  | Home equity
Loans Outstanding by Portfolio Class | The following table presents total loans outstanding by portfolio class, as of December 31, 2020.
| December 31, 2020
Commercial |
Owner occupied real estate | $ | 496,306 |
Non–owner occupied real estate | 999,636 |
Residential spec homes | 10,070 |
Development & spec land | 26,372 |
Commercial and industrial | 659,887 |
Total commercial | 2,192,271 |
Real estate |
Residential mortgage | 598,700 |
Residential construction | 25,586 |
Mortgage warehouse | 395,626 |
Total real estate | 1,019,912 |
Consumer |
Direct installment | 38,046 |
Indirect installment | 357,511 |
Home equity | 259,643 |
Total consumer | 655,200 |
Total loans | 3,867,383 |
Allowance for credit losses | (57,027) |
Net loans | $ | 3,810,356 |
Amounts of Loans | The following table presents total loans outstanding, as of December 31, 2019.
|  |  | December 31, 2019
Commercial |  |  |
Working capital and equipment |  |  | $ | 938,317 |
Real estate, including agriculture |  |  | 978,891 |
Tax exempt |  |  | 63,571 |
Other |  |  | 65,872 |
Total commercial |  |  | 2,046,651 |
Real estate |  |  |
1-4 family |  |  | 762,571 |
Other |  |  | 8,146 |
Total real estate |  |  | 770,717 |
Consumer |  |  |
Auto |  |  | 362,729 |
Recreation |  |  | 16,262 |
Real estate/home improvement |  |  | 43,585 |
Home equity |  |  | 237,979 |
Unsecured |  |  | 7,286 |
Other |  |  | 1,339 |
Total consumer |  |  | 669,180 |
Mortgage warehouse |  |  | 150,293 |
Total loans |  |  | 3,636,841 |
Allowance for loan losses |  |  | (17,667) |
Loans, net |  |  | $ | 3,619,174 |
Non-accrual, Loans Past Due Over 90 Days Still on Accrual, and Troubled Debt Restructured ("TDRs") by Class of Loans | The following table presents non–accrual loans, loans past due over 90 days still on accrual, and troubled debt restructured loans by class of loans:
| December 31, 2020
| Non–accrual |  | Loans Past Due Over 90 Days Still Accruing |  | Non–performing TDRs |  | Performing TDRs |  | Total Non–performing Loans |  | Non–performing Loans with no Allowance for Credit Losses
Commercial |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate | $ | 10,581 |  |  | $ | — |  |  | $ | 630 |  |  | $ | 168 |  |  | $ | 11,379 |  |  | $ | 6,305 |
Non–owner occupied real estate | 237 |  |  | — |  |  | 330 |  |  | — |  |  | 567 |  |  | 567 |
Residential spec homes | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Development & spec land | 70 |  |  | — |  |  | — |  |  | — |  |  | 70 |  |  | 70 |
Commercial and industrial | 1,826 |  |  | — |  |  | 506 |  |  | — |  |  | 2,332 |  |  | 1,847 |
Total commercial | 12,714 |  |  | — |  |  | 1,466 |  |  | 168 |  |  | 14,348 |  |  | 8,789 |
Real estate |  |  |  |  |  |  |  |  |  |  |
Residential mortgage | 5,674 |  |  | 17 |  |  | 922 |  |  | 1,381 |  |  | 7,994 |  |  | 7,097 |
Residential construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Mortgage warehouse | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total real estate | 5,674 |  |  | 17 |  |  | 922 |  |  | 1,381 |  |  | 7,994 |  |  | 7,097 |
Consumer |  |  |  |  |  |  |  |  |  |  |
Direct installment | 12 |  |  | 1 |  |  | — |  |  | — |  |  | 13 |  |  | 13 |
Indirect installment | 1,174 |  |  | 120 |  |  | — |  |  | — |  |  | 1,294 |  |  | 1,294 |
Home equity | 2,568 |  |  | 124 |  |  | 222 |  |  | 244 |  |  | 3,158 |  |  | 2,628 |
Total consumer | 3,754 |  |  | 245 |  |  | 222 |  |  | 244 |  |  | 4,465 |  |  | 3,935 |
Total | $ | 22,142 |  |  | $ | 262 |  |  | $ | 2,610 |  |  | $ | 1,793 |  |  | $ | 26,807 |  |  | $ | 19,821 |
| December 31, 2019
| Non–accrual |  | Loans Past Due Over 90 Days Still Accruing |  | Non–performing TDRs |  | Performing TDRs |  | Total Non–performing Loans |  | Non–performing Loans with no Allowance for Credit Losses
Commercial |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate | $ | 2,424 |  |  | $ | — |  |  | $ | 629 |  |  | $ | 139 |  |  | 3,192 |  |  | $ | 2,563 |
Non–owner occupied real estate | 682 |  |  | — |  |  | 374 |  |  | — |  |  | 1,056 |  |  | 937 |
Residential spec homes | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Development & spec land | 73 |  |  | — |  |  | — |  |  | — |  |  | 73 |  |  | 73 |
Commercial and industrial | 1,603 |  |  | — |  |  | 78 |  |  | 1,345 |  |  | 3,026 |  |  | 514 |
Total commercial | 4,782 |  |  | — |  |  | 1,081 |  |  | 1,484 |  |  | 7,347 |  |  | 4,087 |
Real estate |  |  |  |  |  |  |  |  |  |  |
Residential mortgage | 7,614 |  |  | 1 |  |  | 708 |  |  | 1,561 |  |  | 9,884 |  |  | 8,322 |
Residential construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Mortgage warehouse | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total real estate | 7,614 |  |  | 1 |  |  | 708 |  |  | 1,561 |  |  | 9,884 |  |  | 8,322 |
Consumer |  |  |  |  |  |  |  |  |  |  |
Direct installment | 30 |  |  | 5 |  |  | — |  |  | — |  |  | 35 |  |  | 30 |
Indirect installment | 1,234 |  |  | 135 |  |  | — |  |  | — |  |  | 1,369 |  |  | 1,234 |
Home equity | 2,019 |  |  | 5 |  |  | 217 |  |  | 309 |  |  | 2,550 |  |  | 2,236 |
Total consumer | 3,283 |  |  | 145 |  |  | 217 |  |  | 309 |  |  | 3,954 |  |  | 3,500 |
Total | $ | 15,679 |  |  | $ | 146 |  |  | $ | 2,006 |  |  | $ | 3,354 |  |  | $ | 21,185 |  |  | $ | 15,909 |
Payment Status by Class of Loan | The following table presents the payment status by class of loan, excluding non–accrual loans of $22.1 million and non–performing TDRs of $2.6 million at December 31, 2020:
| December 31, 2020
| Current |  | 30–59 Days Past Due |  | 60–89 Days Past Due |  | 90 Days or Greater Past Due |  | Total Past Due |  | Total Loans
Commercial |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate | $ | 484,282 |  |  | $ | 683 |  |  | 130 |  |  | — |  |  | $ | 813 |  |  | $ | 485,095 |
Non–owner occupied real estate | 997,816 |  |  | 599 |  |  | 654 |  |  | — |  |  | 1,253 |  |  | 999,069 |
Residential spec homes | 10,070 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 10,070 |
Development & spec land | 25,552 |  |  | — |  |  | 750 |  |  | — |  |  | 750 |  |  | 26,302 |
Commercial and industrial | 657,027 |  |  | 249 |  |  | 279 |  |  | — |  |  | 528 |  |  | 657,555 |
Total commercial | 2,174,747 |  |  | 1,531 |  |  | 1,813 |  |  | — |  |  | 3,344 |  |  | 2,178,091 |
Real estate |  |  |  |  |  |  |  |  |  |  |
Residential mortgage | 590,944 |  |  | 905 |  |  | 238 |  |  | 17 |  |  | 1,160 |  |  | 592,104 |
Residential construction | 25,586 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 25,586 |
Mortgage warehouse | 395,626 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 395,626 |
Total real estate | 1,012,156 |  |  | 905 |  |  | 238 |  |  | 17 |  |  | 1,160 |  |  | 1,013,316 |
Consumer |  |  |  |  |  |  |  |  |  |  |
Direct installment | 37,965 |  |  | 69 |  |  | — |  |  | — |  |  | 69 |  |  | 38,034 |
Indirect installment | 354,655 |  |  | 1,356 |  |  | 206 |  |  | 120 |  |  | 1,682 |  |  | 356,337 |
Home equity | 255,908 |  |  | 554 |  |  | 266 |  |  | 125 |  |  | 945 |  |  | 256,853 |
Total consumer | 648,528 |  |  | 1,979 |  |  | 472 |  |  | 245 |  |  | 2,696 |  |  | 651,224 |
Total | $ | 3,835,431 |  |  | $ | 4,415 |  |  | $ | 2,523 |  |  | $ | 262 |  |  | $ | 7,200 |  |  | $ | 3,842,631 |
Percentage of total loans | 99.81 | % |  | 0.11 | % |  | 0.07 | % |  | 0.01 | % |  | 0.19 | % |  | 100.00 | %
The following table presents the payment status by class of loans at December 31, 2019:
| December 31, 2019
| Current |  | 30–59 Days Past Due |  | 60–89 Days Past Due |  | 90 Days or Greater Past Due |  | Non–accrual & Non–performing TDRs |  | Total Past Due & Non–accrual Loans |  | Total
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate | $ | 515,604 |  |  | $ | 920 |  |  | $ | — |  |  | $ | — |  |  | $ | 3,053 |  |  | $ | 3,973 |  |  | $ | 519,577 |
Non–owner occupied real estate | 972,195 |  |  | 80 |  |  | — |  |  | — |  |  | 1,056 |  |  | 1,136 |  |  | 973,331 |
Residential spec homes | 12,925 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 12,925 |
Development & spec land | 35,881 |  |  | — |  |  | — |  |  | — |  |  | 73 |  |  | 73 |  |  | 35,954 |
Commercial and industrial | 503,348 |  |  | 819 |  |  | 11 |  |  | — |  |  | 1,681 |  |  | 2,511 |  |  | 505,859 |
Total commercial | 2,039,953 |  |  | 1,819 |  |  | 11 |  |  | — |  |  | 5,863 |  |  | 7,693 |  |  | 2,047,646 |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage | 740,712 |  |  | 1,984 |  |  | — |  |  | 1 |  |  | 8,322 |  |  | 10,307 |  |  | 751,019 |
Residential construction | 19,686 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 19,686 |
Mortgage warehouse | 150,293 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 150,293 |
Total real estate | 910,691 |  |  | 1,984 |  |  | — |  |  | 1 |  |  | 8,322 |  |  | 10,307 |  |  | 920,998 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |
Direct installment | 40,864 |  |  | 175 |  |  | 5 |  |  | 5 |  |  | 30 |  |  | 215 |  |  | 41,079 |
Indirect installment | 344,478 |  |  | 2,407 |  |  | 404 |  |  | 135 |  |  | 1,234 |  |  | 4,180 |  |  | 348,658 |
Home equity | 273,050 |  |  | 904 |  |  | 20 |  |  | 5 |  |  | 2,236 |  |  | 3,165 |  |  | 276,215 |
Total consumer | 658,392 |  |  | 3,486 |  |  | 429 |  |  | 145 |  |  | 3,500 |  |  | 7,560 |  |  | 665,952 |
Total | $ | 3,609,036 |  |  | $ | 7,289 |  |  | $ | 440 |  |  | $ | 146 |  |  | $ | 17,685 |  |  | $ | 25,560 |  |  | $ | 3,634,596 |
Percentage of total loans | 99.30 | % |  | 0.20 | % |  | 0.01 | % |  | — | % |  | 0.49 | % |  | 0.70 | % |  | 100.00 | %
Schedule of TDRs by Loan Portfolio | The following table presents TDRs by loan portfolio:
| December 31, 2020 |  | December 31, 2019
| Non–accrual |  | Accruing |  | Total |  | Non-accrual |  | Accruing |  | Total
Commercial |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate | $ | 630 |  |  | $ | 168 |  |  | $ | 798 |  |  | $ | 629 |  |  | $ | 139 |  |  | $ | 768 |
Non–owner occupied real estate | 330 |  |  | — |  |  | 330 |  |  | 374 |  |  | — |  |  | 374 |
Residential spec homes | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Development & spec land | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial and industrial | 506 |  |  | — |  |  | 506 |  |  | 78 |  |  | 1,345 |  |  | 1,423 |
Total commercial | 1,466 |  |  | 168 |  |  | 1,634 |  |  | 1,081 |  |  | 1,484 |  |  | 2,565 |
Real estate |  |  |  |  |  |  |  |  |  |  |
Residential mortgage | 922 |  |  | 1,381 |  |  | 2,303 |  |  | 708 |  |  | 1,561 |  |  | 2,269 |
Residential construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Mortgage warehouse | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total real estate | 922 |  |  | 1,381 |  |  | 2,303 |  |  | 708 |  |  | 1,561 |  |  | 2,269 |
Consumer |  |  |  |  |  |  |  |  |  |  |
Direct installment | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Indirect installment | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Home equity | 222 |  |  | 244 |  |  | 466 |  |  | 217 |  |  | 309 |  |  | 526 |
Total consumer | 222 |  |  | 244 |  |  | 466 |  |  | 217 |  |  | 309 |  |  | 526 |
Total | $ | 2,610 |  |  | $ | 1,793 |  |  | $ | 4,403 |  |  | $ | 2,006 |  |  | $ | 3,354 |  |  | $ | 5,360 |
Allowance for Credit Loss Allocated for Collateral Dependent Loans | The table below presents the amortized cost basis and ACL allocated for collateral dependent loans in accordance with ASC326, which are individually evaluated to determine expected credit losses as of December 31, 2020.
| Real Estate |  | Accounts Receivable/Equipment |  | Other |  | Total |  | ACL Allocation
Commercial |  |  |  |  |  |  |  |  |
Owner occupied real estate | $ | 11,309 |  |  | $ | 114 |  |  | $ | — |  |  | $ | 11,423 |  |  | $ | 1,605 |
Non–owner occupied real estate | 1,032 |  |  | — |  |  | — |  |  | 1,032 |  |  | — |
Development & spec land | 70 |  |  | — |  |  | — |  |  | 70 |  |  | — |
Commercial and industrial | 2,245 |  |  | 210 |  |  | — |  |  | 2,455 |  |  | 252 |
Total commercial | 14,656 |  |  | 324 |  |  | — |  |  | 14,980 |  |  | 1,857 |
Total collateral dependent loans | $ | 14,656 |  |  | $ | 324 |  |  | $ | — |  |  | $ | 14,980 |  |  | $ | 1,857 |
Loans by Credit Grades | The following tables present loans by credit grades and origination year at December 31, 2020.
December 31, 2020 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Revolving Loans |  | Total
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 57,726 |  |  | $ | 65,558 |  |  | $ | 49,455 |  |  | $ | 49,032 |  |  | $ | 47,480 |  |  | $ | 127,373 |  |  | $ | 40,027 |  |  | $ | 436,651 |
Special Mention |  | — |  |  | 1,081 |  |  | 5,928 |  |  | 10,205 |  |  | 4,207 |  |  | 12,787 |  |  | 325 |  |  | 34,533 |
Substandard |  | 1,021 |  |  | 1,231 |  |  | 4,012 |  |  | 2,504 |  |  | 2,839 |  |  | 9,673 |  |  | 3,842 |  |  | 25,122 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total owner occupied real estate |  | $ | 58,747 |  |  | $ | 67,870 |  |  | $ | 59,395 |  |  | $ | 61,741 |  |  | $ | 54,526 |  |  | $ | 149,833 |  |  | $ | 44,194 |  |  | $ | 496,306 |
Non–owner occupied real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 115,667 |  |  | $ | 120,023 |  |  | $ | 73,669 |  |  | $ | 133,396 |  |  | $ | 99,674 |  |  | $ | 208,649 |  |  | $ | 166,986 |  |  | $ | 918,064 |
Special Mention |  | 862 |  |  | 1,236 |  |  | 28,723 |  |  | 1,298 |  |  | 2,548 |  |  | 13,182 |  |  | 4,072 |  |  | 51,921 |
Substandard |  | — |  |  | 15,552 |  |  | 1,477 |  |  | 107 |  |  | 6,422 |  |  | 4,521 |  |  | 1,572 |  |  | 29,651 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total non–owner occupied real estate |  | $ | 116,529 |  |  | $ | 136,811 |  |  | $ | 103,869 |  |  | $ | 134,801 |  |  | $ | 108,644 |  |  | $ | 226,352 |  |  | $ | 172,630 |  |  | $ | 999,636 |
Residential spec homes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 737 |  |  | $ | 237 |  |  | $ | — |  |  | $ | 298 |  |  | $ | 368 |  |  | $ | 1,177 |  |  | $ | 7,253 |  |  | $ | 10,070 |
Special Mention |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total residential spec homes |  | $ | 737 |  |  | $ | 237 |  |  | $ | — |  |  | $ | 298 |  |  | $ | 368 |  |  | $ | 1,177 |  |  | $ | 7,253 |  |  | $ | 10,070 |
Development & spec land |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 573 |  |  | $ | 736 |  |  | $ | 1,522 |  |  | $ | 2,461 |  |  | $ | 672 |  |  | $ | 11,971 |  |  | $ | 6,907 |  |  | $ | 24,842 |
Special Mention |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 274 |  |  | — |  |  | 274 |
Substandard |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 506 |  |  | 750 |  |  | 1,256 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total development & spec land |  | $ | 573 |  |  | $ | 736 |  |  | $ | 1,522 |  |  | $ | 2,461 |  |  | $ | 672 |  |  | $ | 12,751 |  |  | $ | 7,657 |  |  | $ | 26,372 |
Commercial & industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 253,953 |  |  | $ | 63,772 |  |  | $ | 58,978 |  |  | $ | 88,121 |  |  | $ | 26,044 |  |  | $ | 70,706 |  |  | $ | 30,845 |  |  | $ | 592,419 |
Special Mention |  | 8,779 |  |  | 1,164 |  |  | 1,088 |  |  | 9,306 |  |  | 1,835 |  |  | 11,870 |  |  | 3,040 |  |  | 37,082 |
Substandard |  | 4,233 |  |  | 7,079 |  |  | 11,072 |  |  | 1,660 |  |  | 636 |  |  | 3,322 |  |  | 2,384 |  |  | 30,386 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial & industrial |  | 266,965 |  |  | 72,015 |  |  | 71,138 |  |  | 99,087 |  |  | 28,515 |  |  | 85,898 |  |  | 36,269 |  |  | 659,887 |
Total commercial |  | $ | 443,551 |  |  | $ | 277,669 |  |  | $ | 235,924 |  |  | $ | 298,388 |  |  | $ | 192,725 |  |  | $ | 476,011 |  |  | $ | 268,003 |  |  | $ | 2,192,271 |
December 31, 2020 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Revolving Loans |  | Total
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 109,487 |  |  | $ | 68,556 |  |  | $ | 86,572 |  |  | $ | 89,051 |  |  | $ | 65,718 |  |  | $ | 171,322 |  |  | $ | — |  |  | $ | 590,706 |
Non–performing |  | — |  |  | 296 |  |  | 636 |  |  | 39 |  |  | 300 |  |  | 6,723 |  |  | — |  |  | 7,994 |
Total residential mortgage |  | $ | 109,487 |  |  | $ | 68,852 |  |  | $ | 87,208 |  |  | $ | 89,090 |  |  | $ | 66,018 |  |  | $ | 178,045 |  |  | $ | — |  |  | $ | 598,700 |
Residential construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 25,586 |  |  | $ | 25,586 |
Non–performing |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total residential construction |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 25,586 |  |  | $ | 25,586 |
Mortgage warehouse |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 395,626 |  |  | $ | 395,626 |
Non–performing |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total mortgage warehouse |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 395,626 |  |  | 395,626 |
Total real estate |  | $ | 109,487 |  |  | $ | 68,852 |  |  | $ | 87,208 |  |  | $ | 89,090 |  |  | $ | 66,018 |  |  | $ | 178,045 |  |  | $ | 421,212 |  |  | $ | 1,019,912 |
December 31, 2020 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Revolving Loans |  | Total
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct installment |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 12,552 |  |  | $ | 9,552 |  |  | $ | 5,828 |  |  | $ | 5,946 |  |  | $ | 2,124 |  |  | $ | 2,019 |  |  | $ | 12 |  |  | $ | 38,033 |
Non–performing |  | — |  |  | — |  |  | — |  |  | 5 |  |  | 3 |  |  | 5 |  |  | — |  |  | 13 |
Total direct installment |  | $ | 12,552 |  |  | $ | 9,552 |  |  | $ | 5,828 |  |  | $ | 5,951 |  |  | $ | 2,127 |  |  | $ | 2,024 |  |  | $ | 12 |  |  | $ | 38,046 |
Indirect installment |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 134,394 |  |  | $ | 97,408 |  |  | $ | 74,215 |  |  | $ | 36,763 |  |  | $ | 8,636 |  |  | $ | 4,801 |  |  | $ | — |  |  | $ | 356,217 |
Non–performing |  | 84 |  |  | 223 |  |  | 392 |  |  | 361 |  |  | 80 |  |  | 154 |  |  | — |  |  | 1,294 |
Total indirect installment |  | $ | 134,478 |  |  | $ | 97,631 |  |  | $ | 74,607 |  |  | $ | 37,124 |  |  | $ | 8,716 |  |  | $ | 4,955 |  |  | $ | — |  |  | $ | 357,511 |
Home equity |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 63,946 |  |  | $ | 42,762 |  |  | $ | 34,807 |  |  | $ | 27,553 |  |  | $ | 22,450 |  |  | $ | 59,503 |  |  | $ | 5,464 |  |  | $ | 256,485 |
Non–performing |  | — |  |  | 9 |  |  | 111 |  |  | 74 |  |  | 121 |  |  | 1,237 |  |  | 1,606 |  |  | 3,158 |
Total home equity |  | 63,946 |  |  | 42,771 |  |  | 34,918 |  |  | 27,627 |  |  | 22,571 |  |  | 60,740 |  |  | 7,070 |  |  | 259,643 |
Total consumer |  | $ | 210,976 |  |  | $ | 149,954 |  |  | $ | 115,353 |  |  | $ | 70,702 |  |  | $ | 33,414 |  |  | $ | 67,719 |  |  | $ | 7,082 |  |  | $ | 655,200 |
The following table presents loans by credit grades at December 31, 2019.
| December 31, 2019
| Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Total
Commercial |  |  |  |  |  |  |  |  |
Owner occupied real estate | $ | 492,386 |  |  | $ | 8,328 |  |  | $ | 18,863 |  |  | $ | — |  |  | $ | 519,577 |
Non–owner occupied real estate | 957,990 |  |  | 7,824 |  |  | 7,517 |  |  | — |  |  | 973,331 |
Residential spec homes | 12,925 |  |  | — |  |  | — |  |  | — |  |  | 12,925 |
Development & spec land | 35,815 |  |  | — |  |  | 139 |  |  | — |  |  | 35,954 |
Commercial and industrial | 468,893 |  |  | 18,652 |  |  | 18,314 |  |  | — |  |  | 505,859 |
Total commercial | 1,968,009 |  |  | 34,804 |  |  | 44,833 |  |  | — |  |  | 2,047,646 |
Real estate |  |  |  |  |  |  |  |  |
Residential mortgage | 741,136 |  |  | — |  |  | 9,883 |  |  | — |  |  | 751,019 |
Residential construction | 19,686 |  |  | — |  |  | — |  |  | — |  |  | 19,686 |
Mortgage warehouse | 150,293 |  |  | — |  |  | — |  |  | — |  |  | 150,293 |
Total real estate | 911,115 |  |  | — |  |  | 9,883 |  |  | — |  |  | 920,998 |
Consumer |  |  |  |  |  |  |  |  |
Direct installment | 41,044 |  |  | — |  |  | 35 |  |  | — |  |  | 41,079 |
Indirect installment | 347,289 |  |  | — |  |  | 1,369 |  |  | — |  |  | 348,658 |
Home equity | 273,665 |  |  | — |  |  | 2,550 |  |  | — |  |  | 276,215 |
Total consumer | 661,998 |  |  | — |  |  | 3,954 |  |  | — |  |  | 665,952 |
Total | $ | 3,541,122 |  |  | $ | 34,804 |  |  | $ | 58,670 |  |  | $ | — |  |  | $ | 3,634,596 |
Percentage of total loans | 97.43 | % |  | 0.96 | % |  | 1.61 | % |  | 0.00 | % |  | 100.00 | %
Carrying Amounts of Loans | The carrying amounts of those loans included in the balance sheet amounts of loans receivable as of December 31, 2019 are as follows:
| December 31, 2019
| Commercial |  | Real Estate |  | Consumer |  | Outstanding Balance |  | Allowance for Loan Losses |  | Carrying Amount
Heartland | $ | 197 |  |  | $ | 99 |  |  | $ | — |  |  | $ | 296 |  |  | $ | — |  |  | $ | 296 |
Summit | 88 |  |  | 473 |  |  | — |  |  | 561 |  |  | — |  |  | 561 |
Peoples | 229 |  |  | 35 |  |  | — |  |  | 264 |  |  | — |  |  | 264 |
Kosciusko | 244 |  |  | 131 |  |  | — |  |  | 375 |  |  | — |  |  | 375 |
LaPorte | 353 |  |  | 793 |  |  | 20 |  |  | 1,166 |  |  | — |  |  | 1,166 |
Lafayette | 1,867 |  |  | — |  |  | — |  |  | 1,867 |  |  | — |  |  | 1,867 |
Wolverine | 2,289 |  |  | — |  |  | — |  |  | $ | 2,289 |  |  | — |  |  | 2,289 |
Salin | 4,938 |  |  | 1,912 |  |  | 962 |  |  | 7,812 |  |  | 133 |  |  | 7,679 |
Total | $ | 10,205 |  |  | $ | 3,443 |  |  | $ | 982 |  |  | $ | 14,630 |  |  | $ | 133 |  |  | $ | 14,497 |
Accretable Yield or Income Expected to be Collected | Accretable yield, or income expected to be collected for the year ended December 31, 2019 are as follows:
| Twelve Months Ended December 31, 2019
| Beginning balance |  | Additions |  | Accretion |  | Reclassification from nonaccretable difference |  | Disposals |  | Ending balance
Heartland | $ | 174 |  |  | — |  |  | $ | (32) |  |  | — |  |  | $ | — |  |  | $ | 142 |
Summit | 42 |  |  | — |  |  | (9) |  |  | — |  |  | (11) |  |  | 22 |
Kosciusko | 300 |  |  | — |  |  | (63) |  |  | — |  |  | (2) |  |  | 235 |
LaPorte | 829 |  |  | — |  |  | (111) |  |  | — |  |  | 4 |  |  | 722 |
Lafayette | 609 |  |  | — |  |  | (126) |  |  | — |  |  | (193) |  |  | 290 |
Wolverine | 698 |  |  | — |  |  | (272) |  |  | — |  |  | (306) |  |  | 120 |
Salin | — |  |  | 2,002 |  |  | (590) |  |  | — |  |  | (37) |  |  | 1,375 |
Total | $ | 2,652 |  |  | $ | 2,002 |  |  | $ | (1,203) |  |  | $ | — |  |  | $ | (545) |  |  | $ | 2,906 |
Allowance for Loan Losses and Recorded Investment in Loans by Portfolio Segment | The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment, and based on impairment analysis as of December 31, 2019 :
| December 31, 2019
| Commercial |  | Real Estate |  | Mortgage Warehousing |  | Consumer |  | Total
Allowance For Loan Losses |  |  |  |  |  |  |  |  |
Ending allowance balance attributable to loans: |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 541 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 541 |
Collectively evaluated for impairment | 11,455 |  |  | 923 |  |  | 1,077 |  |  | 3,671 |  |  | 17,126 |
Loans acquired with deteriorated credit quality | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total ending allowance balance | $ | 11,996 |  |  | $ | 923 |  |  | $ | 1,077 |  |  | $ | 3,671 |  |  | $ | 17,667 |
Loans: |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 7,347 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 7,347 |
Collectively evaluated for impairment | 2,040,299 |  |  | 770,705 |  |  | 150,293 |  |  | 665,952 |  |  | 3,627,249 |
Loans acquired with deteriorated credit quality | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total ending loans balance | $ | 2,047,646 |  |  | $ | 770,705 |  |  | $ | 150,293 |  |  | $ | 665,952 |  |  | $ | 3,634,596 |
The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment, and based on impairment analysis as of December 31, 2019 :
| December 31, 2019
| Commercial |  | Real Estate |  | Mortgage Warehousing |  | Consumer |  | Total
Allowance For Loan Losses |  |  |  |  |  |  |  |  |
Ending allowance balance attributable to loans: |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 541 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 541 |
Collectively evaluated for impairment | 11,455 |  |  | 923 |  |  | 1,077 |  |  | 3,671 |  |  | 17,126 |
Loans acquired with deteriorated credit quality | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total ending allowance balance | $ | 11,996 |  |  | $ | 923 |  |  | $ | 1,077 |  |  | $ | 3,671 |  |  | $ | 17,667 |
Loans: |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 7,347 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 7,347 |
Collectively evaluated for impairment | 2,040,299 |  |  | 770,705 |  |  | 150,293 |  |  | 665,952 |  |  | 3,627,249 |
Loans acquired with deteriorated credit quality | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total ending loans balance | $ | 2,047,646 |  |  | $ | 770,705 |  |  | $ | 150,293 |  |  | $ | 665,952 |  |  | $ | 3,634,596 |
Schedule of Collateral Dependent Loans by Loan Class | The following table presents commercial loans individually evaluated for impairment by class of loans:
| December 31, 2019
|  |  |  |  |  |  | Twelve Months Ended
| Unpaid Principal Balance |  | Recorded Investment |  | Allowance for Loan Loss Allocated |  | Average Balance in Impaired Loans |  | Cash/Accrual Interest Income Recognized
With no recorded allowance |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |
Owner occupied real estate | $ | 3,192 |  |  | $ | 3,193 |  |  | $ | — |  |  | $ | 3,608 |  |  | $ | 246 |
Non-owner occupied real estate | 937 |  |  | 937 |  |  | — |  |  | 2,810 |  |  | 98 |
Residential spec homes | — |  |  | — |  |  | — |  |  | — |  |  | — |
Development & spec land | 73 |  |  | 73 |  |  | — |  |  | 158 |  |  | — |
Commercial and industrial | 1,859 |  |  | 1,861 |  |  | — |  |  | 2,464 |  |  | 100 |
Total commercial | 6,061 |  |  | 6,064 |  |  | — |  |  | 9,040 |  |  | 444 |
With an allowance recorded |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |
Owner occupied real estate | — |  |  | — |  |  | — |  |  | — |  |  | — |
Non-owner occupied real estate | 119 |  |  | 119 |  |  | 25 |  |  | 130 |  |  | — |
Residential spec homes | — |  |  | — |  |  | — |  |  | — |  |  | — |
Development & spec land | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial and industrial | 1,167 |  |  | 1,168 |  |  | 516 |  |  | 1,225 |  |  | 46 |
Total commercial | 1,286 |  |  | 1,287 |  |  | 541 |  |  | 1,355 |  |  | 46 |
Total | $ | 7,347 |  |  | $ | 7,351 |  |  | $ | 541 |  |  | $ | 10,395 |  |  | $ | 490 |
|  |  |  |  |  |  | December 31, 2018
|  |  |  |  |  |  | Twelve Months Ended
|  |  |  |  |  |  | Average Balance in Impaired Loans |  | Cash/Accrual Interest Income Recognized
With no recorded allowance |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |
Owner occupied real estate |  |  |  |  |  |  | $ | 3,168 |  |  | $ | 77 |
Non–owner occupied real estate |  |  |  |  |  |  | 1,096 |  |  | 12 |
Residential spec homes |  |  |  |  |  |  | — |  |  | — |
Development & spec land |  |  |  |  |  |  | 71 |  |  | — |
Commercial and industrial |  |  |  |  |  |  | 1,119 |  |  | 21 |
Total commercial |  |  |  |  |  |  | 5,454 |  |  | 110 |
With an allowance recorded |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |
Owner occupied real estate |  |  |  |  |  |  | 864 |  |  | — |
Non–owner occupied real estate |  |  |  |  |  |  | 180 |  |  | 4 |
Residential spec homes |  |  |  |  |  |  | — |  |  | — |
Development & spec land |  |  |  |  |  |  | — |  |  | — |
Commercial and industrial |  |  |  |  |  |  | 870 |  |  | 14 |
Total commercial |  |  |  |  |  |  | 1,914 |  |  | 18 |
Total |  |  |  |  |  |  | $ | 7,368 |  |  | $ | 128 |

X
- Definition Certain loans acquired in transfer not accounted for as debt securities accretable yield movement. + References No definition available. + Details
Name: | hbnc_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldMovementTableTextBlock
Namespace Prefix: | hbnc_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Loan Portfolio Segments and Classes + References No definition available. + Details
Name: | hbnc_LoanPortfolioSegmentsAndClassesTableTextBlock
Namespace Prefix: | hbnc_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Loans Outstanding By Portfolio Class + References No definition available. + Details
Name: | hbnc_LoansOutstandingByPortfolioClassTableTextBlock
Namespace Prefix: | hbnc_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Allowance for loans and recorded investment. + References No definition available. + Details
Name: | hbnc_ScheduleOfAllowanceForLoansAndRecordedInvestmentByLoanPortfolioTableTextBlock
Namespace Prefix: | hbnc_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of allowance for credit loss on accounts receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919249-210447 + Details
Name: | us-gaap_AccountsReceivableAllowanceForCreditLossTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 5 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919230-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953659-111524 + Details
Name: | us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of impaired financing receivables. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 15 -URI http://asc.fasb.org/extlink&oid=118936363&loc=d3e5212-111524 + Details
Name: | us-gaap_ImpairedFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of aging analysis for financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 14 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919253-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7A -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953401-111524 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 80 -URI http://asc.fasb.org/extlink&oid=118955255&loc=SL82922355-210448 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI http://asc.fasb.org/extlink&oid=118936363&loc=d3e5111-111524 + Details
Name: | us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- References No definition available. + Details
Name: | us-gaap_ReceivablesAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.3,4) -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682 + Details
Name: | us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of allowance for credit loss of financing receivable, classified as current. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c) -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953423-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919249-210447 + Details
Name: | us-gaap_ScheduleOfCreditLossesForFinancingReceivablesCurrentTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivable on nonaccrual status. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI http://asc.fasb.org/extlink&oid=118936363&loc=d3e5111-111524 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 16 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919258-210447 + Details
Name: | us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivable modified as troubled debt restructuring. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 33 -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953676-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 34 -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953682-111524 + Details
Name: | us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration